national insurance transfer to spouse

psb100r

Hi, i have paid 41 years of contribution (paye) and my wife is short ,by 3 years, can i transfer some of my years to her? if yes what form do i use?  I have 10 more years of employment till i retire.

OldUserNewName

psb100r said:

Hi, i have paid 41 years of contribution (paye) and my wife is short ,by 3 years, can i transfer some of my years to her? if yes what form do i use?  I have 10 more years of employment till i retire.

Presumably you are asking whether you can improve your wife's state pension by transferring some of your years of NI contributions.

The short answer is no, you cannot transfer years of NI contribution to another.

The recommendation is that both you and your wife should get up-to-date statements of your State Pension entitlements.  You are presumably both under transitional arrangements, that is you will both have some years of contributions from before April 2016 and some years of contribution after April 2016.  It is theoretically possible that someone, even with rather more than 35 years contributions, will not receive the full new State Pension.  It is also theoretically possible that your wife, even with 32 years of NI contributions, will receive more than the full State Pension.

Once you have the statements, if you do not understand then post the details on the Pensions board and some knowledgeable people will be able to explain the results and what, if anything, you could do to improve the outcome.